If loan is less than $20,000 member pays all, if loan is $20,000 or greater HRCCU will pay a portion.

If loan is less than $20,000 member pays all, if loan is $20,000 or greater HRCCU will pay a portion.

If loan is less than $20,000 member pays all, if loan is $20,000 or greater HRCCU will pay a portion.

*APR=Annual Percentage Rate. Rates, terms and conditions are subject to change without notice and may vary based on creditworthiness and collateral conditions. All loans subject to approval. 2.75% fixed APR for 10 years for credit qualified loans closing in first lien position. 2.75% adjustable and line of credit APR for 5 years for credit qualified loans. These rates apply to loans 50% Loan to Value (LTV), $50,000 borrowed with credit score of 730+.. Rates also available for higher LTVs and terms. New York State Mortgage Tax is paid by the borrower from the loan proceeds. Title insurance may be required. The remaining closing costs paid by HRCCU on behalf of the borrower will be charged back and added to the payoff amount of the loan if the home equity loan is paid and closed within three years of loan closing. Closing costs are estimated at $200 – $900. Rate as of today and subject to change at any time. For members whose owner occupied residence is located in New York State.

The Annual Percentage Rates (A.P.R.s) listed above represent the rates for members who have: a Platinum Credit Rating (credit score of 730+); an active HRCCU checking account and a mortgage loan directly debited from their HRCCU checking account. Rates, terms and conditions are subject to change and my vary based on creditworthiness and collateral conditions. Although no fees are associated with this loan, member will be responsible for NYS Mortgage tax. Title insurance may be required. Consult your tax advisor for more information. Rates, terms and conditions are subject to change without notice and may vary based on creditworthiness and collateral conditions. All loans subject to approval. 2.50% fixed APR for 10 years for credit qualified loans closing in first lien position. These rates apply to loans 50% Loan to Value (LTV), $50,000 borrowed with credit score of 730+.. Rates also available for higher LTVs and terms. New York State Mortgage Tax is paid by the borrower from the loan proceeds. Title insurance may be required. The remaining closing costs paid by HRCCU on behalf of the borrower will be charged back and added to the payoff amount of the loan if the home equity loan is paid and closed within three years of loan closing. Closing costs are estimated at $200 – $900. Rate as of today and subject to change at any time. For members whose owner occupied residence is located in New York State.

Dates effective as of 3/28/2014.

Loan payment example: $50,000 @ 2.50% for 5 years: 60 monthly payments of $887.37 per month. Monthly payments do not include taxes and insurance premiums. Please consult a tax professional for additional costs.

** ARM = Adjustable Rate Mortgage. The Annual Percentage Rates (A.P.R.s) listed above represent the rates for members who have: a Platinum Credit Rating (credit score of 730+); an active HRCCU checking account and a mortgage loan directly debited from their HRCCU checking account. Rates, terms and conditions are subject to change and my vary based on creditworthiness and collateral conditions. Although no fees are associated with this loan, member will be responsible for NYS Mortgage tax. Title insurance may be required. Consult your tax advisor for more information.

Loan payment example: $50,000 @ 3.75% for 5 years: 60 monthly payments of $915.20 per month. Monthly payments do not include taxes and insurance premiums. Please consult a tax professional for additional costs.

*A.P.R. listed herein is applicable to eligible members with credit scores of 600+. Other rates and credit scores available. Call for details.
**A.P.R. listed herein is applicable to eligible members with credit scores of 680+. Other rates and credit scores available. Call for details.

Offers listed herein are for eligible HRCCU members for new/used vehicle and motorcycle loans effective 1/1/15. Rates listed are for $3,001 minimum amount financed and include a 0.25% APR discount for having automatic payments. Deduct 0.25% for Warren, Washington, Rensselaer, Saratoga and Albany County FAVOR Program participants who show proper documentation. Member must credit qualify. Rates listed are for credit scores of 730+ (Excellent), 680 – 729 (Good) and 600-639 (Fair). A credit report fee of $5.00 may be charged. Other terms and conditions may apply. Offers/terms listed above are subject to change without notice. HRCCU reserves the right to alter or withdraw these offers or certain features thereof without prior notification. All secured loans with the exception of a share secured loan must pay the Vendor Single Interest (VSI) insurance payment of $95 per loan.

A. P. R. = Annual Percentage Rate. Rates include discount of .25% for Auto Pay from an HRCCU Account. Deduct 0.25% for Warren, Rensselaer, Saratoga and Albany County FAVOR Program participants who show proper documentation. Rates listed are for members with a credit score of 730+. Other rates and terms available and are subject to change without notice. Rates are for loan approved on or after 9/19/11. Late payment/returned payment fee for share secured card is $25. Penalty APR is 18.00%. This penalty APR will be applied to your account if you are 60 days late in making a payment. A $5.00 creidt report fee may also be charged. A 1% international transaction fee for purchases may be imposed on VISA® card holders. Contact HRCCU at 518-654-9028 or 1-800-824-0700 for verification of loan rates, terms/conditions and loan specials. All loans requests require a $5.00 membership fee.

Rates include discount of .25% for Auto Pay from an HRCCU Account. Deduct 0.25% for credit qualified Warren, Washington, Rensselaer, Saratoga, and Albany County FAVOR Program participants who show proper documentation. Rates listed are for credit scores of 730+ (Excellent), 680 – 729 (Good) and 600-639 (Fair).Other rates and terms available. Rates are for loan approved after 2/24/14.